Hard to Place Case

[tomoverton0123]

42 year old male, non smoker, 5'11", 225 lbs, 1 year ago contracted myocarditis. Full recovery with 2-3 weeks. At that time doctors found a 5.5 cm thoracic aortic aneurysm. Doctors are not recommending surgery. Aneurysm has shrunk to 4.6 cm. living completely normal life with no restrictions and no surgeries. Also has sleep apnea. Diagnosed 6 years ago and doing fine. Wears CPAP nightly. Any recommendations for. $500,000 for 15-20 year term? Taking low doses of lisinopril and carvedilol for blood pressure. BP is 110/75. Suggestions ?

 

[goillini52]

42 year old male, non smoker, 5'11", 225 lbs, 1 year ago contracted myocarditis. Full recovery with 2-3 weeks. At that time doctors found a 5.5 cm thoracic aortic aneurysm. Doctors are not recommending surgery. Aneurysm has shrunk to 4.6 cm. living completely normal life with no restrictions and no surgeries. Also has sleep apnea. Diagnosed 6 years ago and doing fine. Wears CPAP nightly. Any recommendations for. $500,000 for 15-20 year term? Taking low doses of lisinopril and carvedilol for blood pressure. BP is 110/75. Suggestions ?

I'm just curious Tommy...would this guy qualify for a graded plan with SNL?

 

[tomoverton0123]

I'm just curious Tommy...would this guy qualify for a graded plan with SNL?

He should. He's had some offers from carriers for coverage. Simply looking for an expert in these hard to place cases to get the lowest possible premium. He knows he will be rated. He's looking for. $500,00 term , not $25,000 WL.

 

[Integrus Financial]

My experience is that some carriers like Prudential are not as aggressive in their premium rating. If you were to compare standard rates or better, Prudential may not be in the top 3. However, it may make sense to check them out. Good Luck.